Christopher Cervantez Email & Phone Number

Houston, Texas Area

 Negotiates modification based default resolutions on assigned mortgage loans. Constant communication with the borrower/and parties for the purpose of identifying workout options such as modifications, reinstatements, repayment plans, deed in lieu, forbearance or short sale of the property. Data gathering to ensure proper documentation is submitted for the HAMP program,  Experience in the foreclosure process and law. Maintaining a professional image for good customer relations during the process of collection to minimize the loss of goodwill. Responsible for maintaining a constant Portfolio loan management in obtaining company standards.

Houston, Texas Area

Process and prepare for closing mortgage (HARP) loans.Knowledge of Federal and State regulatory requirements.Review rate lock and point objectives for accuracy.Check alternative documentation for accuracy and potential problems.; Obtain and examine documents thoroughly before submission to underwriting.Obtain with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation.Complete loan submissions and perform closings.

Examine, evaluate, and recommend approval for HAMP modifications in GSE (FHA, Fannie Mae, Freddie Mac and VA) and non GSE loans.Experience in documenting and updating Freddie Mac Workout Prospector.Modify custom loans using various methods to ensure company compliance.Assist borrowers, managed loans and ensuring proper documentation for HAMP and Custom modification programs.Responsible for Portfolio Retention loan management in obtaining company standards.Mentor and Train associates on the modification process.Working knowledge of industry loan products and underwriting guidelines. Analyze pipeline production goals and maintain proper queue at all times.Verified income for W-2, fixed income and self employed customers.Analyze borrower’s financial condition to prepare strategies and workout options.Assisted in maintaining $2.1 billion in current mortgages.Monitor all loan documents and ensure data integrity of applications submitted.